Nikita Grishin

Ozon Bank is one of Russia’s top five digital banks (60+ million users) and a subsidiary of Ozon, the country’s second-largest e-commerce marketplace. Scope & responsibilities: • Product strategy and growth for the left part funnel (from first touch to “confident use”) for the bank’s B2C products: debit, deposit and lending products. • End-to-end ownership of 3 products: MGM (refer-a-friend program), an internal advertising CMS with ML ranking of promo offers, and a no-code CMS for promo placement. • Main metrics: new PMAU, NOI, CAC, ad revenue, contact rate. Key achievements: • Acquired 60+ million users from scratch over 5 years. • Delivered +Х million growth in external transactions on the Ozon Card • Run Rate 2026 additional NOI of X billion driven by ML promo ranking; team ROI 1 800% • Reduced CAC by 3 times over 5 years Key initiatives: • Online KYC + offline KYC via Ozon pickup points (12k+ points) and couriers (600+ cities) • Secured roadmap and growth strategy for the Cross-sell stream (MGM + ML ad engine) through end of 2027 with +12 planned headcount • Launched MGM (refer-a-friend) for debit/credit cards, savings, business account, and payroll project • Internal advertising CMS with personalized ML ranking of promo offers, launched from scratch • Launched 12+ nationwide advertising campaigns

Rebuilt the Ozon Card white-label loyalty program to reduce program costs and improve customer engagement metrics.

Sberbank is the largest bank in Russia, with assets of more than $ 571 billion. In my role, I was responsible for the launch of new banking products in collaboration with the Federal Tax Service and the Central Bank of the Russian Federation. - Managing projects with the Federal Tax Service - The Tax Code has been changed for project in 10 months - Accelerated the receipt of a tax deduction X3

Managing projects for adaptation of business processes for affiliated banks